TERMS OF BUSINESS

LAST UPDATED: June 2026

Welcome to knowyourbusiness.co.uk (the “Website”). Please read these Terms of Business carefully before using our Website. By accessing, browsing or using this Website, or by submitting your information through our online forms, you agree to be legally bound by these Terms of Business, as well as our Privacy Policy and Cookie Policy.

If you do not agree to these terms, you must not use this Website or submit any information through it.

1. ABOUT US AND REGULATORY STATUS

1.1. knowyourbusiness.co.uk is a trading name of Engage Media Ltd (“we”, “us”, “our”), a company registered in England and Wales under company number 15113275 with its registered office at Unit 10 Aylsham Business Park, Richard Oakes Rd, Aylsham, Norwich, Norfolk, NR11 6FD.

1.2. We are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number (FRN) 1002701.

1.3. We operate purely as an information provider and commercial introducer. We act as a marketing affiliate and do not provide financial, investment or legal advice, nor do we provide direct recommendations.

2. OUR SERVICE AND PARTNERSHIP MODELS

We provide a free online platform allowing our users, primarily aimed at UK Small and Medium Enterprises (SMEs), to view, compare and connect with third-party providers of financial and operational products. We operate under two distinct service models:

2.1. Comparison Tables

  • For products such as business bank accounts, business savings and payment services, we display comparison tables for user self-selection.
  • When you click an outbound link, you are redirected to a trusted third-party partner or broker.
  • Our service terminates immediately upon your departure from our Website. We do not capture or hold your personal data under this model.

2.2. Data Input Form

  • For unregulated commercial finance and business loans, we host an online lead capture form.
  • By completing and submitting this form, you explicitly instruct us to securely transmit your details (including business name, contact data, home address, and property ownership status) via an Application Programming Interface (API) to our commercial partner, Funding Options by Tide (a credit broker).
  • Our service terminates immediately upon the secure transmission of this data payload. Any subsequent underwriting, soft credit searches or communication regarding finance offers rests solely between you, Funding Options by Tide, and their panel of partner lenders.

3. LIMITATION OF LIABILITY & NO GUARANTEES

3.1. No Advice: All content, guides and comparison metrics displayed on this Website are for general informational purposes only. You must evaluate the suitability of any product based on your own business requirements.

3.2. No Guarantee of Approval: We do not guarantee that any comparison listing or introduction will result in an offer of credit, a financial product opening or approval by our partners.

3.3. Downstream Liability: We accept no liability or responsibility for any losses, damages or disputes arising from contracts, agreements or financial facilities you enter into with third-party providers introduced via our Website.

3.4. Information Accuracy & Third-Party Sourcing: We display product features and rates as provided to us by our commercial partners. While we take commercial care to ensure listings are accurate, we do not guarantee the timeliness, completeness or exact accuracy of comparison details. It remains your sole responsibility to verify all final numbers on the provider’s own website before executing a contract.

3.5. Commercial Liability Cap: We provide this Website free of charge on an “as available” basis. We shall not be liable to any user for any indirect or consequential loss or damage, including but not limited to: loss of profits, loss of sales or revenue, business interruption, loss of anticipated savings, or loss of business opportunity or reputation.

3.6. Website Operational Continuity: We do not guarantee that our lead forms or comparison tables will be continuously operational, error free or uninterrupted. We accept no liability for any submission failures, data dropouts or operational downtime affecting the processing or secure transmission of your inquiries via our API hooks.

3.7. Statutory Rights of Non-Incorporated Businesses: If you are using this Website as a sole trader, an unincorporated association, or a partnership of fewer than four partners, certain statutory rights and consumer protections may apply to you under UK consumer law and the Consumer Credit Act 1974. Nothing in these Terms of Business (specifically including the exclusions outlined in Clauses 3.4, 3.5, and 3.6) seeks to exclude, restrict or modify any statutory rights or consumer protections that cannot be lawfully excluded by contract.

4. SUBMISSION OF INFORMATION AND USER RESPONSIBILITY

4.1. When using our enquiry forms, you agree to provide accurate, true, current and complete details regarding your business and its directors/owners.

4.2. By clicking the submit button on our form, you acknowledge that you have read and accepted the integrated notice regarding data handling by Funding Options by Tide.

4.3. You warrant that you have the necessary authority on behalf of your business entity to submit the inquiry and consent to the transmission of the data.

5. HOW WE ARE REMUNERATED

Our service is entirely free for Website users. As a lead generation affiliate business, we receive a commission, referral fee or revenue share payment from our trusted financial organisation partners or brokers when users click through to their platforms or successfully secure a product or service. This commercial relationship may influence the ordering, layout or placement of product comparison tables on our Website.

6. INTELLECTUAL PROPERTY AND SYSTEM SECURITY

6.1. All materials, design layouts, branding, text, code, graphics and data verification frameworks displayed on knowyourbusiness.co.uk are owned by or licensed to us. You may view and print content for internal business evaluation purposes only. You must not scrape, copy or redistribute our proprietary form logic or comparison frameworks without express written consent.

6.2. Prohibited Activities: You must not misuse our Website or form infrastructure by knowingly introducing malware, viruses, bots or technologically harmful payloads. You must not attempt to use automated scraping engines to harvest our comparison metrics or bypass the intended operational flow of our secure API fields.

7. COOKIES AND PRIVACY

Your use of our platform is governed additionally by our Privacy Policy and Cookie Policy, which outline how we collect metadata, track analytics via PPC mechanisms, and restrict third-party marketing sharing.

8. GOVERNING LAW

These Terms of Business and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales, and the parties submit to the exclusive jurisdiction of the courts of England and Wales.